December 17, 2013

One way to get more out of your cash back from Discover card is to redeem your rebate for a gift card. They have over 150 merchants that offer discounted gift cards.

Below is the list of merchants currently offered. I also figured the return rate of the gift card as far as money you get / amount of rewards required. Most of the cards are $20 for $25 or $45 for $50. Many merchants also offer larger values such as $20 for $25 and $40 for $50 but I only listed the lowest amount offered. The larger amounts offered seem to be just multiples of the minimum.

To maximize your reward you should find the merchant(s) that you KNOW you'll use the most that have the highest return. I've sorted the list by return so you can go down the list and pick out the merchant thats highest that you know you'd use. Rental cars like Alamo, Enterprise or National are good candidates if you travel much. Past that I would imagine most people would benefit most from AMC movies or one of the restaurants or clothing retailers in the 125% range.

This list is likely to change of course.

Merchant

Return

Cost

Value

Tauck Tours

300%

$ 100

$300

Alamo Rent a car

200%

$20

$40

Big City Chefs

200%

$40

$80

Carnival Cruises

200%

$40

$80

Celebrity Cruises

200%

$40

$80

Enterrpise Rent a car

200%

$20

$40

FTD

200%

$20

$40

Great American Days

200%

$20

$40

Holland America

200%

$40

$80

Kalamazoo

200%

$ 100

$200

Mrs. Fields

200%

$20

$40

National car rent

200%

$20

$40

Norwegian Cruise

200%

$40

$80

Princess Cruises

200%

$40

$80

Royal Caribbean International

200%

$40

$80

Samsonite

200%

$20

$40

Sandals Resorts

200%

$20

$40

Universal Orlando

200%

$20

$40

Brookstone

150%

$20

$30

Ohama Steaks

150%

$20

$30

Sunglass Hut

150%

$20

$30

1800 Baskets

125%

$20

$25

1800 flowers

125%

$20

$25

A Pea in the Pod

125%

$20

$25

Aerie

125%

$20

$25

Aeropostale

125%

$20

$25

AMC theatres

125%

$20

$25

American Eagle

125%

$20

$25

Athleta

125%

$20

$25

Banana Republic

125%

$20

$25

Bath & Body Works

125%

$20

$25

Bed Bath and Beyond

125%

$20

$25

Black Angus Cattle Company

125%

$20

$25

Brooks Brothers

125%

$20

$25

Buca di Beppo

125%

$20

$25

Burlington Coat factory

125%

$20

$25

Callaway

125%

$40

$50

Champs Sports

125%

$20

$25

Cheryls Cookies

125%

$20

$25

Coldwater Creak

125%

$20

$25

Crutchfield

125%

$20

$25

Destination Maternity

125%

$20

$25

Eddie Bauer

125%

$20

$25

Express

125%

$20

$25

Fannie May

125%

$20

$25

Foot action

125%

$20

$25

Foot locker

125%

$20

$25

GAP

125%

$20

$25

GlobalHotelCard

125%

$40

$50

Hickory Farms

125%

$20

$25

J Jill

125%

$20

$25

Kohl's

125%

$20

$25

Lands End

125%

$20

$25

Lane Bryant

125%

$20

$25

Lids

125%

$20

$25

LL Bean

125%

$20

$25

Lobster Gram

125%

$20

$25

Mario Tricoci

125%

$20

$25

Motherhood Maternity

125%

$20

$25

Nike

125%

$20

$25

Old Navy

125%

$20

$25

pep Boys

125%

$20

$25

Pier 1 imports

125%

$20

$25

Piperlime

125%

$20

$25

ProFlowers

125%

$40

$50

Red Door Spa

125%

$20

$25

redEnvelope

125%

$40

$50

Sally Beauty

125%

$20

$25

Sharis Berries

125%

$40

$50

Shutterfly

125%

$20

$25

Spa Finder

125%

$40

$50

Staples

125%

$20

$25

Talbots

125%

$20

$25

The Childrens Place

125%

$20

$25

The Container Store

125%

$20

$25

The Limited

125%

$20

$25

The Popcorn Factory

125%

$20

$25

Timberland

125%

$20

$25

Toms

125%

$20

$25

Under Armour

125%

$20

$25

VUDU

125%

$20

$25

Ace Hardware

111%

$45

$50

Applebees

111%

$45

$50

Autozone

111%

$45

$50

BahamaBreeze

111%

$45

$50

Barnes & Noble

111%

$45

$50

Bass Pro Shops

111%

$45

$50

Bergners

111%

$45

$50

Best Western

111%

$45

$50

Bon Ton

111%

$45

$50

Bonefish Grill

111%

$45

$50

Boston Market

111%

$45

$50

Boston Store

111%

$45

$50

Bubba Gump

111%

$45

$50

Buffalo Wild Wings

111%

$45

$50

Build a Bear

111%

$45

$50

Carrabbas Italian grill

111%

$45

$50

Carson Pirie Scott

111%

$45

$50

Chart House

111%

$45

$50

Cheesecake Factory

111%

$45

$50

Chilis

111%

$45

$50

Chipotle

111%

$45

$50

Claim Jumper

111%

$45

$50

Cracker Barrel

111%

$45

$50

CVS pharmacy

111%

$45

$50

Dave & Busters

111%

$45

$50

Dell

111%

$45

$50

Dillards

111%

$45

$50

Dominos Pizza

111%

$45

$50

Einstein Bros

111%

$45

$50

Elder Beerman

111%

$45

$50

Flemings Prime Steakhouse

111%

$45

$50

Gamestop

111%

$45

$50

Groupon

111%

$45

$50

Guitar Center

111%

$45

$50

Herbergers

111%

$45

$50

Hobby Lobby

111%

$45

$50

HomeGoods

111%

$45

$50

IHOP

111%

$45

$50

JCPenney

111%

$45

$50

Jiffy lube

111%

$45

$50

Kmart

111%

$45

$50

Lanry's Seafood

111%

$45

$50

Longhorn Steakhouse

111%

$45

$50

Lowe's

111%

$45

$50

Macy's

111%

$45

$50

Maggianos Little Itay

111%

$45

$50

Marshalls

111%

$45

$50

McCormick & Schmicks

111%

$45

$50

Mortons Steak

111%

$45

$50

Niemans Marcus

111%

$45

$50

Olive Garden

111%

$45

$50

On the Border

111%

$45

$50

Outback Steakhouse

111%

$45

$50

Overstock.com

111%

$45

$50

Panera Bread

111%

$45

$50

Pottery Barn

111%

$45

$50

QVC

111%

$45

$50

Rainforest Café

111%

$45

$50

Red Lobster

111%

$45

$50

Red Robin

111%

$45

$50

Reegis Salons

111%

$45

$50

Regal entertainment

111%

$45

$50

Romanos Macaroni Grill

111%

$45

$50

Roys

111%

$45

$50

Ruths Chris Steak house

111%

$45

$50

Saltgrass Steak

111%

$45

$50

Sears

111%

$45

$50

Sephora

111%

$45

$50

Sports Authority

111%

$45

$50

Starbucks

111%

$45

$50

Texas Roadhouse

111%

$45

$50

TGI Fridays

111%

$45

$50

The Oceanaire Seafood Room

111%

$45

$50

TJ Maxx

111%

$45

$50

west elm

111%

$45

$50

Williams-Sonoma

111%

$45

$50

Younkers

111%

$45

$50

Zappos

111%

$45

$50

Shell

107%

$70

$75

Whole Foods

107%

$70

$75

I typed up the list manually from the Discover site so pardon any spelling errors in merchant names.

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